My credit report has been spent because I applied for too many online loans, but it is not overdue.

The loan must meet its conditions before it can be borrowed.

Loan application conditions:

1. Must have a fixed income, depending on salary details;

2. Be between 18 and 65 years old;

3. If the loan is used for business or car purchase, there must be a guarantor and mortgage;

4. Good credit report.

Loan application materials:

1. Lender’s ID card;

2. Lender’s credit information for the past six months, and the credit information is good;

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3. Bank card transactions in the borrower’s name for the past six months, without interruption;

4. Proof of the borrower’s residence certificate (rental contract, property certificate, water, electricity, and bills in the past three months) Gas invoice);

5. Proof of income issued by the lender’s workplace;

6. Social security, insurance policies, and provident fund monthly payments can also be used as loans.

If you want to borrow a higher amount, you can get a mortgage loan, such as a house, car, etc. The credit report is too expensive but not overdue. How long will it take for the credit report to return to normal?

That means you have applied for too many small loans or there have been too many credit inquiries. If you want to apply for a bank loan, the bank They will look at your credit report and proof of income to see if you have enough repayment ability and whether you have too much debt.

Whether it is overdue or not is no longer important. What you gain from this experience is that you pay more attention to credit reporting.

Loan conditions:

1. Chinese citizens who have a fixed residence in the location where the loan is located, or have a valid residence certificate, are aged between 18 and 60 years old (inclusive), and have full capacity for civil conduct;

2. Have the ability to repay the principal and interest of the loan on time;

3. Have a good credit record and willingness to repay, and no bad credit record;

4. There must be no bad records left in the bank

5. The monthly income is more than 2,000 yuan

If the above conditions are met, you can apply for a loan. Can I apply for a housing loan if my online loan has not been paid off but is not overdue?

If you apply for a housing loan from China Merchants Bank, you can try to apply. You need to meet the local home purchase policy. For specific policies, you can consult the local China Merchants Bank loan department. Add your age and loan period. Must not be over 70 years old, and must provide proof of identity, purpose, income, etc. Please contact the loan agency for details.

If you need to apply for a first-hand property loan, you can first confirm with the developer whether it has a cooperative relationship with our bank. If so, you can directly contact the staff at the real estate site and submit the information to the staff. personnel. If not, you need to directly contact the local personal loan department to provide your personal information and the status of the property you purchased to apply.

If you need to apply for a second-hand property loan, you usually submit a loan application to the bank before you go through the property transfer procedures. You provide your specific information and the status of the property you purchased by contacting the local over-the-counter personal loan department, and the over-the-counter personal loan department will review your comprehensive situation to determine whether it can be processed. The credit card is not overdue, but the number of credit checks has exceeded 20 times because I ordered too many online loans. Is it possible to get a loan?

You can only try to apply, but you may not be able to get the card.

If you apply for a China Merchants Bank credit card, you need to be between 18 and 60 years old. If you can provide an ID card (the temporary ID card requires a second-generation temporary ID card valid for more than 3 months and a copy of the household registration book), proof of work and income certificate information, you can try to apply. If you apply for a car card, you need to attach a copy of the driving license in your name. If the local branch has clear regulations, the local branch regulations need to prevail. The credit card approval status is subject to the final The review results shall prevail.

If you only have an ID card or are not old enough, you can apply for an additional card for immediate family members (immediate relatives are parents, children, and spouses).

You can log in to the credit card website, select "Credit Card Application" - "New Customer Application Channel", apply through the "Easy Appointment, Door-to-Door Application" online banking application appointment platform, fill in simple appointment information online, and wait for bank review , if you pass the preliminary review, our bank will first conduct a preliminary review. If you pass the preliminary review, there are two subsequent card application processes. One is if you pass the preliminary review, a card application officer will contact you to come to collect the card; the other is that you will receive a text message from our bank. You will be notified to go to the branch to sign and confirm the application. The details will be subject to notification from our bank after passing the preliminary review. If there is an online loan in the personal credit report, but it is not overdue, will it affect the house purchase loan?

1. If there is a loan record in the credit report but there is no overdue loan, you can get a loan to buy a house

2. The premise is that your The income status is good

3. Also, the previous mortgage has been paid off. The credit score of 120,000 is very expensive but it is not overdue. Can I get a large loan?

China Merchants Bank stipulates the age of the borrower. You must be over 18 years old, and the age of the loan must not exceed 70 years old. If there is a China Merchants Bank in your city, you can try to apply for a loan through a China Merchants Bank outlet. The conditions and application materials required for each loan project are different. Please call the China Merchants Bank customer service hotline from 8:30-18:00 and select "3" personal customer service. - "3" personal loan business enters manual service and provides the information required for detailed understanding of loan purpose and city. Whether your loan application is approved or not depends on the comprehensive review results of the personal loan department of the handling bank. I frequently apply for online loans but are not overdue. How can I get a successful loan?

It is recommended that you choose formal channels for borrowing, such as bank channels;

If you apply for a small loan of less than 50,000 yuan , you can first log in to our mobile banking, click "My" - "All" - "Loan" - "I want to borrow money" to try to apply through this interface, or log in to Mobile Life and apply for a credit card loan. The specific results will be reviewed shall prevail.